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Supplementary cards are secondary cards issued under a persons credit card account. These cards are typically given to the primary or principal cardholders immediate family membersthat is, their children, spouses, siblings, or parents.
In most cases, supplementary cards come with the same benefits associated with the primary card. If you have a co-branded credit card that offers perks like free travel insurance or special offers from partner merchants, for example, any supplementary cards issued under your account will also have these privileges.
Yes, having a supplementary card can affect your credit score. It can help build or establish good credit when used responsibly. But because the primary cardholder is ultimately responsible for all charges, their credit could suffer if an authorized user uses the card irresponsibly.
Each primary customer can apply for a maximum of 5 supplementary cards.
Authorized user accounts must show up on your credit report to affect your credit score. If they do, you might see your score change as soon as the lender starts reporting that information to the credit bureaus, which can take as little as 30 days.
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People also ask

Is a credit check needed to grant an additional card? No. While a credit check would have been carried out at the time of the original credit agreement, lenders do not need to check the credit histories of any additional cardholders added as the main cardholder is still ultimately liable for all expenditure.
Affects the Primary Cardholders Credit This is the major drawback of giving an add-on credit card to a family member. Since all the dues will be directed to the primary cardholders account, late payments or defaults will also affect the primary cardholders credit directly.
Each supplementary card displays the name of the additional cardholder. The individual has their own credit card number, but everything is associated with the primary cardholders account.

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